SWIFT/BIC codes in United States: banks starting with N

Finding a SWIFT code in United States

This directory covers 3498 banks and other institutions in United States. A SWIFT code tells every bank in the chain exactly which bank is meant to get an international payment.

Select a bank from the list to see the head office code and any branch codes, plus practical notes for sending and receiving money. Further down we explain how a code from United States is put together, how to send money to United States at a fair price and how to check a code before you pay.

Most SWIFT codes in United States: Citadel Investment Group, L.l.c.

Of the 3498 banks in United States, Citadel Investment Group, L.l.c. has the largest number of codes. The head office uses CITGUS44XXX, which is the code to use when no branch is specified.

A large number of codes usually means that the bank registers branches and departments separately – it says nothing about the size of the bank as such. Making a payment to Citadel Investment Group, L.l.c.? Go with CITGUS44XXX except when a specific branch code is requested.

Transfer times to United States

How quickly a payment arrives in United States is determined by a few things: the currency, how many intermediary banks are involved, daily processing deadlines and time zones. Bank holidays in United States or in the sending country can add extra days to the journey.

A growing number of banks are connected to SWIFT gpi. Every gpi transfer carries a unique reference, the UETR, which the sending bank can use to trace it. Keep the payment confirmation; a bank needs it to start a trace.

Sending USD to United States

Bank accounts in United States are typically held in USD, the local currency. A payment in a foreign currency is converted into USD.

Which bank converts the money makes a difference: every bank has its own margin. In many cases you pay less to send USD directly via a transfer service with a good rate. Exchange rates change all the time – some providers let you lock in a rate.

What a transfer to United States really costs

What you pay for a payment to United States has more than one component. Besides the fee, intermediary banks may take a cut and, if currencies are converted, the bank usually uses a rate below the actual market rate.

Most of the cost usually sits in the exchange rate: banks convert at a rate with a margin built in. An easy check: put the offered rate next to the mid-market rate and look at the difference.

Money transfer services frequently use a rate near the mid-market rate and lower fees. GoldexPay compares these providers next to each other so you can see the amount that reaches the recipient.

International payments to United States and the BIC

United States is outside the SEPA area. International transfers to United States normally go through the SWIFT network.

Not every country uses the IBAN; in that case the local account number is used instead. Ask the recipient which details their bank needs for payments from abroad. On the way to United States, a transfer can pass through intermediary banks that take a fee.

Incoming international payments in United States

If you are waiting for money from abroad in United States, send the payer all details at once. That means: your name as your bank knows it, your IBAN or account number, the BIC of your bank and sometimes your postal address.

Your bank’s code is in our list, yet the version on your own statement or in your banking app is leading. Certain banks may also want your bank’s address, so keep it at hand.

The amount you receive is often less than what was sent. Charges on incoming payments differ per bank – your bank’s price list tells you what applies. On invoices, agree how the fees are split, so nobody is left short.

SWIFT codes in United States: banks under :letter

The letter filter limits the list to banks in United States starting with :letter to make searching quicker. The counts in the introduction still cover all banks in United States and not only this selection.

Bank not listed? Its official name might begin with another word – think of the full legal name instead of the brand. The complete list remains one click away if the letter filter does not help.

Recognising a SWIFT code from United States

SWIFT/BIC codes use one international format: 8 characters plus an optional three-character extension. It starts with a four-letter bank code, then a two-letter country code and two characters for the location.

You can spot a code from United States from letters five and six. Codes with other letters in that position come from a bank abroad – a quick way to catch mistakes.

The optional last three characters stand for a specific branch; XXX means the head office. Choose a branch code only if the recipient’s bank asks for it.

Check the code before you pay

The safest source for the BIC is the recipient’s own bank details: an invoice, a statement or their online banking. If the code you have does not match our list, stop and ask.

This list draws on public sources and is updated regularly. Banks reorganise, close branches and retire codes – a directory can be a step behind. For any payment of any size, check the code with the recipient’s bank. GoldexPay is an independent comparison site and has no link to the banks in this list.

Watch out for payment requests with changed bank details, especially when they come by email. Before paying, confirm a change of bank details through a separate channel.